融资租赁模式的探讨.docVIP

我国中小企业融资模式分析 ——基于融资租赁模式的思考 摘要 近年来，我国中小企业迅速发展，但融资难一直是制约其发展的瓶颈。融资租赁作为一种新的融资渠道，在我国中小企业融资中具有必要性和可行性，是破解其融资难题的一种对策ABSTRACT In recent years, Chinas rapid development of SMEs, but the financing has been the bottleneck of its development. Financial leasing as a new financing channels, with the necessity and feasibility in our country small and medium-sized enterprise financing, is a method to solve the financing problem, so the more the favour of small and medium-sized enterprises. Firstly,through the analysis of endogenous financing problems, our country small and medium-sized enterprise financing single financing status, put forward financing lease can reduce the degree of asymmetric information, reduce the financing conditions and cost, improve the capital structure and a series of ways to solve the financing difficulties of small and medium-sized enterprises. However, the development of the application of policy is not loose, the leasehold single, there are many risk problems hindering the small and medium-sized enterprise. Therefore, countermeasures and suggestions for the existing problems were put forward to strengthen the reform, small and medium-sized enterprises to improve policies and regulations, innovation and market rental business to promote the development of small and medium-sized enterprises financing lease. [KeyWords] Financing model; Finance leases; The small and medium enterprises(SME) 目录 一、我国中小企业融资模式现状 (1) （一）内源融资资金不足 (1) （二）外源融资渠道单一 (2) （三）较难获得信用贷款 (3) 二、融资租赁是解决中小企业融资困境的有效途径 (5) （一）融资租赁可降低中小企业融资条件和成本 (6) （二）有效降低信息不对称程度 (8) （三）融资租赁可改善中小企业资金结构，提高中小企业融资的能力 (9) （四）融资租赁可促进中小企业技术设备改造 (9) 三、中小企业开展融资租赁所存在的问题 (10) （一）政策不够宽松 (10) 1.税收政策 (10) 2.信贷政策 (10) 3.外汇政策 (11) 4.保险政策 (11) （二）租赁标的形式较单一 (11) （三）存在较多的风险因素 (11) （四）缺乏相关法律法规的保障 (12) 四、推进中小企业开展融资租赁的对策建议 (13) （一）加强中小企业自身改革，增强企业竞争力 (13) （二）积极创新,不断开拓新的租赁业务和租赁市场 (14) （三）加强立法监管和政策扶持 (15) 1.财税政策 (15) 2.信用保险 (15) 3.租赁立法 (16) 4.建立全国租赁业协会 (16) （四）完善政策法规，建立建全中小企业信用担保体系 (17) 参考文献 (18) 我国中小企业融资模式分析 ——基于融资租赁模式的思考 近年来，我国中小企